An insurance agent approaches a cowboy, trying to sell him an accident policy. The agent inquires, "Have you ever had an accident?" "Never," the cowboy responds. "However, just recently a horse kicked in two of my ribs, and back a couple years ago a rattlesnake bit my ankle." "Wouldn't you call these accidents?" says the puzzled agent. "Nah," the cowboy replies. "They both did it on purpose!"